Why does my private passenger vehicle have to go on my commercial policy?

This is because all private vehicles, except for pick-up trucks & vans, which are registered in the name of a business, must be covered under a business car insurance policy. If the vehicle is registered under any particular individual’s name, but is being used for business purposes, it might receive some amount of coverage under a personal car insurance policy. However, for this, the personal car insurance policy must be designated as ‘for business use’.